| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMP. BENEFIT SERVICES OF | PGH., INC. 600 WATERFRONT DRIVE, SUITE 225 PITTSBURGH, PA 15222 | UNITED HEALTHCARE INSURANCE COMPANY | — | $41K | $41K | 3.47% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 Filed as: STRATEGIC EMP. BENEFIT SERVICES OF | PGH., INC. 600 WATERFRONT DRIVE, SUITE 225 PITTSBURGH, PA 15222 | GUARDIAN | $3K | — | $3K | 3.75% |
| MY BENEFIT ADVISOR LLC3 | 1305 WALT WHITMAN RD STE 310 MELVILLE, NY 117474300 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | — | $2K | 10.63% |
| EMERSON REID LLC3 Filed as: EMERSON REID & CO INC | 669 RIVER DR STE 305 ELMWOOD PARK, NJ 074071361 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $181 | $1K | 6.86% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | OF PITTSBURGH INC. 600 WATERFRONT DR STE 225 PITTSBURGH, PA 152224751 | METROPOLITAN LIFE INSURANCE COMPANY | $548 | — | $548 | 3.05% |
| STRATEGIC EMPLOYEE BENEFIT SERVICES3 | OF PGH INC 600 WATERFRONT DRIVE, SUITE 225 PITTSBURGH, PA 15222 | VISION BENEFITS OF AMERICA | $306 | — | $306 | 2.91% |
| M. SUZANNE TRACEY & ASSOCIATES3 Filed as: M SUZANNE TRACEY | 1190 BUCKNELL DRIVE MONROEVILLE, PA 15146 | VISION BENEFITS OF AMERICA | $61 | — | $61 | 0.58% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 186 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 186 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITED HEALTHCARE INSURANCE COMPANY | 378 | $1.2M |
| Dental | GUARDIAN | 158 | $89K |
| Vision | VISION BENEFITS OF AMERICA | 144 | $11K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $18K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 186 | $18K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 378 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.